Aegis Blog

There’s a lot to consider when deciding to purchase a second home.
Do you want it to be close to the ocean or in the mountains? Do you want to use it exclusively as a family vacation home or rent it out for extra income?
Regardless of where you decide to buy and how you choose to use your second home, you’ll want to be sure that it is protected.
With the right policies in place, you ...

Do you need Very High Fire Hazard Severity Zone Insurance?
From San Diego to Siskiyou, CAL FIRE has identified very high fire hazard severity zones (VHFHSZ): areas at extreme risk for wildfire.
Every county in the entire Golden state has - at the bare minimum - moderate fire hazard severity zones.
Many CA counties consist almost entirely of high or very-high fire hazard severity zone areas.
In other words, if you live in California, there’s a ...

Want to make a living outfitting?
If you love the great outdoors, don’t mind hard work, and have no problem getting up at 4 a.m. to work an 18-hour day, you may have what it takes to start an outfitting business.
But a love for the wild and a lifetime of hunting or fishing experience isn’t the only thing you need to get going.
A Practical Guide to Starting an Outfitting Business
Here’s what you’ll need to consider ...

The purchase of investment rental vacation properties is on the upswing.
Over two-thirds of second home owners rent out their properties for a portion of each year to help cover the costs for their vacation home.
Because most vacation rental properties are located in places with higher exposure to risks – such as wildfires, flooding, hurricanes, theft, and vandalism – investors are in need of insurance that will help cover the costs.
Additionally, renting out a vacation ...

You’re planning on investing in a vacation rental but don’t know where to start.
Embarking on a new business venture can be daunting, but knowing these 7 things before investing in a vacation rental property can help you on the road to success.
1. Be Prepared to Pay a Higher Mortgage
When you apply for an investment property mortgage, expect to face higher interest rates than you see when you buy a home you plan to occupy. ...

Operating any business takes a lot of skill, organization, sound advice, and maybe even a pinch of good luck. This is particularly true when you’re building and expanding a construction business.
We rounded up some of the best construction resources available to help you – publications, blogs, podcasts, and websites that can give you the most assistance as you grow.
1. SBA Website
The SBA website is the cornerstone of business advice, no matter what your speciality ...

The holiday season isn’t always merry and bright.
In the midst of bright lights and warm spirits, sometimes everything can go wrong.
Here are three holiday risks to avoid this season, plus a few tips (and helpful insurance policies) to keep you caroling along without a care.
Flammable Holiday Trees
What great memories you made taking the family out to cut down a fresh tree over the holiday season!
Trekking through the snow, choosing the perfect tree, hanging the ...

Becoming a new parent is an exciting (and exhausting!) time. Suddenly, your world is bigger and broader than ever. You have people who depend on you now. And while you’re missing sleep, changing diapers, and warming bottles, it can be hard to think of anything outside of these immediate precious moments. Becoming a new parent is the perfect time to carefully think about your responsibilities and what kind of tools can help you best ...

The construction business is a risky one.
From on the job accidents to extreme weather, traffic collisions to vandalism, there is no shortage of possible ways for contractors to incur losses.
But with the right coverage in place, your construction business doesn’t have to lose money if the unexpected occurs.
Here are some of the most common ways contractors lose money when something goes bad - and the insurance policies that can help you keep yours.
5 Common ...